Inflation is coming?Insiders recommend preparing in advance, and it is not appropriate to buy a house
Inflation is coming?Insiders recommend preparing in advance, and it is not appropriate to buy a house
Article Lao Mo.
Have you ever thought that twenty or thirty years from now, the money in your hands may not even be as good as a blank slate?
After all, 30 years ago, in the 90s of the last century, a million families were very rare, although it cannot be said"Rare", but absolutely"One in a hundred"Now, it's just equivalent to a month's salary for many people.
More than a decade ago, the same 2 million cash could buy a house in a second-tier city, but now you have to take out a loan.
If you look at it this way, the value of money seems to be going down all the time, in our usual words, that is"Money has been worthless for a long time"。
Why is this happening?
To put it bluntly, when resources such as health care, education, and employment are scarce, we have to spend 50% or 60% of our income to buy a house, which indirectly causes house prices to go too fast**.
And many of us simply don't realize that while house prices are going too fast, prices are also happening, which leads to currency depreciation. If you look closely, from the perspective of housing prices, in fact, in the last 10 years, the purchasing power of 500,000 can be reduced to only 100,000. This phenomenon, in a word, is inflation.
According to public data, China's average annual inflation rate over the past 10 years has been only 2229%, even when combined, just over 200%. What is this concept?In fact, for every 500,000 yuan of purchasing power, there is at least a little more than 160,000 leftover. Obviously, this is very different from our concept.
The reason for this gap is actually one of the main reasons for buying a house. Think about it, among the various types of expenses we spend each month, is it the daily expenses that are the highest, or the mortgage that is the highest?
There is no doubt that as long as it is a loan to buy a house, the mortgage will definitely account for the majority. In fact, China's control over prices is very strong, so the impact of daily expenses is very small.
Most of our income is invested in real estate, even if the house price is **1%, or even **0.5%, which can also be exchanged for 5000 or more cash. It is clear which is more important at a glance.
Therefore, it is not difficult to understand why too many people in the past have used property as an investment, not only to make money, but also to indirectly prevent the shrinkage of assets.
But can we still do that?Of course not, because some experts say that it is not advisable to buy a house. So the question is: since buying a house is not the way to go, what should we do in the future?
Truth be told, stability is one of the best ways to do it"Not investing is the best investment"。
Most of us are working-class people who have no income other than salary, and their ability to resist risks is very limited, and if an investment fails, the whole family will be in crisis.
That's why there are still people who want room rates**.
After all, it is so convenient to make money by investing in real estate and buying a house that some people miss this opportunity and want to enjoy it again, but this is obviously impossible.
But do we really know how to invest?
To put it bluntly, most people dare to invest 100,000 or 200,000 when they can't even distinguish between ** and **, and the final result can be imagined.
IMO: Times have changed, looking back, was there a good way to buy a house in the past?Actually, no, it's just that the past 20 years have made many of us taste the sweetness and even lose our minds.
For example, the average house price in a first-class city is currently more than 40,000 euros, and they always want it to go up to more than 60,000 euros, or even more than 80,000 euros, so that they can make a lot of money again.
But the question is, it may have really come to this, but who will bear it?
A necessary condition for making money investing in real estate is to be able to sell the house. If you can't even sell your house, it's a fool's dream to make money.
What are your thoughts on this?
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